SUBSCRIPTION TERMS

Last Updated: August 18, 2026

PROMINENT AUTO-RENEWAL DISCLOSURE

IMPORTANT: THIS SERVICE INCLUDES SUBSCRIPTIONS THAT AUTOMATICALLY RENEW. PLEASE READ THESE SUBSCRIPTION TERMS CAREFULLY BEFORE STARTING A TRIAL OR COMPLETING A PURCHASE. BY SUBSCRIBING, YOU AUTHORIZE RECURRING CHARGES TO YOUR PAYMENT METHOD AT THE THEN-CURRENT RATE UNTIL YOU AFFIRMATIVELY CANCEL. TO AVOID BEING CHARGED, YOU MUST CANCEL YOUR SUBSCRIPTION BEFORE THE END OF THE TRIAL PERIOD OR THE THEN-CURRENT BILLING PERIOD, AS APPLICABLE. DELETING THE FINESTRO APP DOES NOT CANCEL YOUR SUBSCRIPTION. YOU MUST CANCEL THROUGH YOUR ACCOUNT PROFILE OR BY CONTACTING [email protected], FOR APP STORE PURCHASES, CANCEL THROUGH THE APPLICABLE APP STORE.

1. INTRODUCTION AND SCOPE

1.1 These Subscription Terms ("Subscription Terms") are published by VELRIO LIMITED, a company incorporated in the Republic of Cyprus, with its registered address at Prodromou, 75, ONEWORLD PARKVIEW HOUSE, Floor 4, Nicosia, Republic of Cyprus 2063. These Subscription Terms supplement, and should be read together with, the Finestro Terms of Service and Privacy Policy, each available at finestro.io.

1.2 These Subscription Terms govern all Subscription plans, Trial Periods, and recurring payment arrangements offered through the Service. They apply to every User who subscribes to, or initiates a trial of, any paid feature of Finestro, whether through the website, mobile application, or any other platform.

1.3 In the event of any conflict between these Subscription Terms and the Terms of Service on any subscription-related matter, these Subscription Terms shall prevail.

2. DEFINITIONS

As used in these Subscription Terms, the following capitalized terms have the meanings set forth below:

"Billing Period" means the recurring interval for which Subscription fees are charged.

"Merchant of Record" means the entity identified on your payment statement as the seller, which may be VELRIO LIMITED or Findmy LLC.

"Payment Method" means the credit card, debit card, PayPal account, or other payment instrument you provide.

"Renewal Date" means the date on which your Subscription automatically renews for a new Billing Period.

"Service" means the Finestro AI education platform available at finestro.io.

"Subscription" means any recurring plan or arrangement under which you pay periodic fees for access to the Service.

"Trial Period" means the introductory 1-week period described in Section 4.

"User" or "you" means the individual who subscribes to the Service.

3. SUBSCRIPTION PLANS

3.1 Finestro offers recurring Subscription plans in various durations. We may introduce different plan durations from time to time.

3.2 The specific features, duration, and price of each Subscription plan are presented to you at the point of purchase before you provide your Payment Method or complete your order. By completing your purchase, you acknowledge that you have reviewed and accepted the material terms of the selected plan.

3.3 We reserve the right to modify, discontinue, or introduce new Subscription plans at any time. Any changes to the terms of an existing Subscription held by a current subscriber will be subject to the advance notice requirements set forth in Section 10 of these Subscription Terms.

4. INTRODUCTORY TRIALS

4.1 Trial Availability. We may offer an introductory Trial Period of one (1) week, which may be free or offered at a reduced price, as disclosed at the point of sign-up. Each User is limited to one (1) Trial Period. We reserve the right to charge the full Subscription fee if we determine that a User has previously redeemed a trial.

4.2 Payment Information Required. You must provide a valid Payment Method before the Trial Period begins. By providing your Payment Method, you authorize us (or the applicable Merchant of Record) to charge the applicable Subscription fee automatically if you do not cancel before the Trial Period ends.

4.3 Automatic Conversion. UNLESS YOU CANCEL BEFORE THE TRIAL PERIOD ENDS, YOUR TRIAL WILL AUTOMATICALLY CONVERT TO A PAID SUBSCRIPTION AT THE PRICE, BILLING FREQUENCY, AND DATE DISCLOSED TO YOU AT SIGN-UP. The conversion date and the amount you will be charged are presented on the sign-up screen and in your confirmation email.

4.4 Calendar Reminder. We encourage you to mark your calendar with the date your Trial Period ends so you can cancel in advance if you do not wish to continue.

5. AUTO-RENEWAL AND BILLING

5.1 Automatic Renewal. Each Subscription renews automatically at the end of the then-current Billing Period at the then-current rate, unless you cancel before the Renewal Date. Your Payment Method will be charged on each Renewal Date without further authorization.

5.2 Billing Date. Charges recur on the same calendar day as your initial charge. If that day does not exist in a given month (e.g., the 31st in a 30-day month), billing occurs on the last day of that month.

5.3 Price Increases. We will provide at least fourteen (14) days' advance notice (or thirty (30) days where required by applicable law) before any increase to your Subscription fee takes effect.

5.4 Renewal Reminders. For Subscriptions with annual or longer Billing Periods, we will send you a renewal reminder by email before the Renewal Date. Each reminder will state: (a) the upcoming Renewal Date, (b) the amount to be charged, and (c) instructions on how to cancel. For Subscriptions with shorter Billing Periods, renewal occurs automatically at the terms disclosed at the point of purchase, and the auto-renewal disclosure at checkout serves as your notice.

5.5 Promotional Pricing. Any introductory, promotional, or discounted rate applies only for the initial term stated at the point of purchase. Upon expiration of that term, the Subscription renews at the standard rate then in effect.

6. PAYMENT METHODS AND MERCHANT OF RECORD

6.1 Payment Processing. Payments for the Service are processed through Stripe, Braintree, SolidGate, PayPal, or other payment providers. By subscribing, you authorize recurring charges to your Payment Method for all applicable Subscription fees, taxes, and other amounts due.

6.2 Merchant of Record. For certain transactions, Findmy LLC, a Delaware limited liability company located at 501 E Las Olas Blvd, Suite 300, Fort Lauderdale, FL 33301, USA, may act as the authorized web distributor and merchant of record. In such cases, Findmy LLC is responsible for payment processing, billing, and charge management. The descriptor on your payment statement may reflect Findmy LLC, VELRIO LIMITED, or the name of the applicable payment processor.

6.3 Contractual Relationship. Regardless of which entity processes your payment or appears on your billing statement, your contractual relationship for the Service remains solely with VELRIO LIMITED.

7. CANCELLATION

7.1 How to Cancel.

You may cancel your Subscription at any time in one of the following ways:

(a) through your account profile on finestro.io or in the Finestro app, by selecting "Cancel Subscription," which generates a cancellation request to our support team ([email protected]) on your behalf; or

(b) by contacting our support team directly at [email protected].

Both options constitute a valid cancellation request and are processed in the same way. Your cancellation is effective as of the date the request is submitted, and we will confirm it by email. You will retain access to the paid features until the end of your current Billing Period, and no further charges will be made after that period ends.

If your Subscription was originally purchased on finestro.io and you later access the Service through the app, you must return to the web version to manage or cancel your Subscription.

If you subscribed through Apple App Store or Google Play, you must cancel directly through that app store. VELRIO LIMITED cannot process cancellations for app store purchases.

Your cancellation request must be received before the end of the current Billing Period to prevent the next renewal charge.

IMPORTANT: DELETING THE FINESTRO APP OR YOUR ACCOUNT DOES NOT CANCEL YOUR SUBSCRIPTION. YOU MUST FOLLOW THE CANCELLATION PROCEDURES DESCRIBED ABOVE.

7.2 Effect of Cancellation.

Cancellation prevents all future renewals of your Subscription.

You will retain access to paid features until the end of the current paid Billing Period.

No prorated refund will be issued for unused time remaining in the current Billing Period, except where required by applicable law.

8. EEA, UK, AND SWISS CONSUMER RIGHTS

8.1 Right of Withdrawal. If you are a consumer in the EEA, UK, or Switzerland, you have a statutory right to withdraw from the contract within 14 days of purchase without giving any reason. To exercise your right of withdrawal, you must inform us of your decision by sending an unequivocal statement (e.g., an email) to [email protected] before the 14-day period expires. You may use the Model Withdrawal Form below, but it is not mandatory. We will acknowledge your withdrawal request without undue delay by sending you a confirmation email.

8.2 Model Withdrawal Form:

To: VELRIO LIMITED, Prodromou, 75, ONEWORLD PARKVIEW HOUSE, Floor 4, Nicosia, Republic of Cyprus 2063; Email: [email protected]

I hereby give notice that I withdraw from my contract for the following service: [Name of Service/Subscription Plan]. Ordered on / Received on: [Date]. Name of consumer: []. Address of consumer: []. Signature (only if sent on paper): []. Date: [].

9. QUEBEC CONSUMER RIGHTS

9.1 If you are a consumer residing in the Province of Quebec, you have additional rights under the Quebec Consumer Protection Act (Loi sur la protection du consommateur). You may cancel your Subscription at any time by sending written notice to VELRIO LIMITED at the address below or by email to [email protected].

9.2 Upon cancellation, your access to paid features will continue until the end of the current Billing Period. Any refund owing will be calculated in accordance with applicable Quebec law.

9.3 Model Cancellation Notice for Quebec Consumers:

To: VELRIO LIMITED, Prodromou, 75, ONEWORLD PARKVIEW HOUSE, Floor 4, Nicosia, Republic of Cyprus 2063Email: [email protected] I hereby cancel my subscription to the following service:[Name of Service / Subscription Plan] Date of subscription: [Date] Name of consumer: [] Address of consumer:[] Date: []

10. CHANGES TO SUBSCRIPTION FEES

10.1 VELRIO LIMITED reserves the right to change Subscription fees at any time. Any fee change will take effect at the start of the next Billing Period following the notice period described below.

10.2 We will provide advance written notice of any fee increase at least fourteen (14) days before the change takes effect, or thirty (30) days where required by applicable law. Notice may be delivered by email to the address associated with your account, by posting on the Service, or by in-service notification.

10.3 If you do not agree with a fee change, you must cancel your Subscription before the new price takes effect. Your continued use of the Service after the effective date of the new fee constitutes acceptance of the revised pricing.

10.4 Any fee change will not affect the Billing Period for which you have already been charged. You will continue to receive the Service at the previously applicable rate through the end of that period.

11. TAXES AND PAYMENT FAILURES

11.1 Taxes. Prices displayed on the Service may or may not include applicable taxes. All applicable taxes, duties, and governmental charges will be calculated and displayed at checkout. You are responsible for all taxes associated with your Subscription, except for taxes imposed on VELRIO LIMITED's net income. Tax rates are determined based on your billing address and applicable law.

11.2 Payment Information. You must keep your Payment Method current, valid, and sufficient for all charges. If your billing details change, you must update them promptly in your account settings or by contacting [email protected].

11.3 Failed Payments. If a charge to your Payment Method fails, VELRIO LIMITED or the applicable payment processor may reattempt the charge one or more times. We reserve the right to suspend or terminate your access to the Service if payment remains outstanding after reasonable retry attempts. Suspension or termination does not relieve you of liability for any unpaid amounts, which remain due and collectible.

12. GOVERNING LAW AND DISPUTE RESOLUTION

12.1 Governing Law. These Subscription Terms shall be governed by and construed in accordance with the laws of the Republic of Cyprus, without regard to its conflict-of-laws principles.

12.2 Jurisdiction. Any dispute arising out of or in connection with these Subscription Terms shall be submitted to the exclusive jurisdiction of the courts of Nicosia, Republic of Cyprus, subject to the mandatory consumer-law carve-outs set forth in Section 12.3.

12.3 Mandatory Consumer-Law Carve-Outs. Nothing in this Section 12 shall deprive any consumer of the protections afforded by the mandatory provisions of the law of the consumer's country of habitual residence, nor restrict any consumer's right to bring proceedings in the courts of that country. Without limiting the foregoing:

Consumers in the EEA, the United Kingdom, or Switzerland retain all rights under applicable EU, UK, or Swiss consumer protection legislation and may bring claims in their local courts.

Consumers in Quebec retain all rights under Quebec consumer protection law and may bring claims before the courts of Quebec.

Consumers in the United States retain all rights under applicable federal and state consumer protection statutes, including state automatic-renewal laws, and may bring claims in any court of competent jurisdiction as permitted by such statutes.

13. GENERAL PROVISIONS

13.1 Severability. If any provision of these Subscription Terms is held invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it enforceable while preserving its original intent.

13.2 Waiver. No failure or delay by VELRIO LIMITED in exercising any right under these Subscription Terms shall constitute a waiver of that right. A waiver of any provision shall be effective only if made in writing.

13.3 Assignment. VELRIO LIMITED may assign these Subscription Terms without your consent in connection with a merger, acquisition, or sale of all or substantially all of its assets. You may not assign your rights or obligations hereunder.

13.4 Entire Agreement. These Subscription Terms, together with the Terms of Service and Privacy Policy, constitute the entire agreement between you and VELRIO LIMITED regarding subscription-related matters. In the event of any conflict between these Subscription Terms and the Terms of Service on subscription, billing, cancellation, or renewal matters, these Subscription Terms shall prevail.

13.5 App Store Terms. If you purchased a Subscription through an app store (Apple App Store, Google Play), the app store's terms may also apply. To the extent those terms conflict with these Subscription Terms, the more consumer-protective provision shall govern.

14. CONTACT INFORMATION

If you have any questions regarding your Subscription, billing, cancellation, or these Subscription Terms, please contact us using the information below.

Purpose	Contact
Billing and subscription inquiries	[email protected]
Privacy matters	[email protected]
Registered address	VELRIO LIMITED, Prodromou, 75, ONEWORLD PARKVIEW HOUSE, Floor 4, Nicosia, Republic of Cyprus 2063